Free Payment Audit — Kumaa Pay

Free Payment Audit

Your business is losing $40,000 a year to payment fees you can't see

Most merchants don't know their real approval rate, their true fees, or what chargebacks are actually costing them. This audit shows you all three.

Payments failing every 60 seconds

Hidden fees posting daily

$600+ lost every month

$40,000+ gone every year

This is what every merchant says before the audit

“

I didn't understand my payment statement. I wasn't even aware of my different rate tiers. I'd been ignoring it for years. After the audit, I finally saw where the money was going.

Online Retailer, Netherlands

E-commerce · 3 years on same provider

“

I thought my approval rate was fine. Turns out 12% of my payments were failing every month and I had no idea. That was thousands in lost sales I could have recovered.

SaaS Founder, Germany

Subscription billing · 500+ customers

“

I assumed chargebacks were just a cost of doing business. The audit showed me each one was costing 3x what I thought, and most of them were preventable.

Wellness Studio Owner, France

Membership billing · 200+ members

“

The best part? They didn't ask me to switch my payment provider. They just showed me what I was paying and what I could do about it. No pressure, no sales pitch.

Agency Director, UK

Professional services · retainer billing

What you're missing

Three things you don't know about your payments

These are the three areas where most merchants are losing money without realising it.

Your approval rate

8–12% of online payments fail every month. Most merchants don't track this number. Every failed payment is a lost sale you could have saved.

Your hidden fees

Your quoted rate isn't your real rate. Scheme fees, compliance charges, and acquirer markups have nearly doubled since 2018. Most statements don't break them out.

Your chargeback costs

Each chargeback costs 2–4x the transaction value. Fees, lost product, staff time. Most merchants think a chargeback costs $50. It costs $120–$240.

70% of businesses overpay.
Don't be one of them.

$187B

Paid in card processing fees by US merchants alone in 2024. 2026 is on track to break that record.

EU merchant service charges have nearly doubled since 2018, despite regulation meant to lower them.

8–12%

Of online payments fail every month. Most are recoverable. Most aren't recovered.

3–4x

Smaller merchants pay 3–4x more per transaction than larger ones for the same service.

Before and after the audit

Before the audit

"I think my approval rate is fine"

"My rate is 2.9%, that's what I was told"

"Chargebacks happen, nothing I can do"

"My provider seems fine"

Lost: $40,000/year

After the audit

"12% of my payments were failing. Now I recover most of them."

"I'm actually paying 3.8%. Time to renegotiate."

"Each chargeback was costing me $240, not $50."

"I'm missing tools that would save me thousands."

Saved: $40,000/year

How it works

A payment team in your corner.
For free.

You have an accountant for tax. A lawyer for contracts. But who's watching your payments?

Nobody — which is exactly why the fees pile up. We find what you're overpaying, show you how to fix it, and keep it from creeping back.

Fill out 3 fields

Your work email, website, and monthly volume. Takes 30 seconds. No digging through statements required.

Hear from Ludo

You'll get an email from Ludo, our CEO, with a short personal video walking you through how the audit works and what to expect, plus a link to book your call.

Book your audit call

On a 15-minute call we review your real numbers together: your approval rate, your true fees, and what your chargebacks are actually costing. No obligation.